The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$12,003
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,376
−HK$380/mo
Today · 4.125%
HK$12,756
baseline
▲ 0.50% · 4.625%
HK$13,532
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,512/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,353
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,711
−HK$364/mo
Today · 4.125%
HK$14,075
baseline
▲ 0.50% · 4.625%
HK$14,816
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,150/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,403
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,851
−HK$456/mo
Today · 4.125%
HK$15,307
baseline
▲ 0.50% · 4.625%
HK$16,238
+HK$931/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,614/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,024
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,453
−HK$436/mo
Today · 4.125%
HK$16,889
baseline
▲ 0.50% · 4.625%
HK$17,780
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,778/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,804
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,327
−HK$531/mo
Today · 4.125%
HK$17,858
baseline
▲ 0.50% · 4.625%
HK$18,944
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,716/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,694
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,196
−HK$508/mo
Today · 4.125%
HK$19,704
baseline
▲ 0.50% · 4.625%
HK$20,743
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,408/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,605
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,277
−HK$683/mo
Today · 4.125%
HK$22,960
baseline
▲ 0.50% · 4.625%
HK$24,357
+HK$1,397/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$45,920/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,036
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,680
−HK$654/mo
Today · 4.125%
HK$25,334
baseline
▲ 0.50% · 4.625%
HK$26,670
+HK$1,336/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$50,668/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,437 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).